The Peterborough Community Futures Development Corporation (PCFDC) is a federally funded lending agency providing loans of up to $150,000 to small businesses in the City and County of Peterborough. The Peterborough CFDC has invested more than $20,000,000 helping 700+ small businesses create or maintain 2600+ jobs since 1985.

To obtain more information about any of our loan programs, call  705-745-5434 

You can set up an appointment to discuss your financing requirements - there is no obligation to apply for a loan and our business consulting services are free of charge.

Peterborough CFDC Loan Programs

Access To Capital

The Peterborough CFDC "Access To Capital" program provides qualified borrowers loans up to $150,000. The Access To Capital program is available to business owners when financing from other sources is insufficient.

Business Improvement Loans

The Peterborough CFDC “BIL” program provides qualified borrowers loans up to $7,500 @ 0 %

The Business Improvement Loan (BIL) has been developed by the Peterborough Community Futures Development Corporation (PCFDC) to assist local businesses and social enterprises with physical improvements to existing facilities. 

In order to qualify for a Business Improvement Loan you must meet specific criteria and follow the loan guidelines.

Eligible Activities

  • a new sign on a store front
  • a renovation for the purpose of expanding a retail operation
  • the creation of a showroom or counter to add to your sales volume
  • upgrading of windows
  • a new demonstration facility for your operation
  • a ramp to help with customer accessibility
  • cosmetic improvement to a structure or space

There may be other activities which are involved in your project so ensure that all project costs are clearly detailed within your loan application.

Micro Loans - Up To $10,000

The Peterborough CFDC “micro loan” program provides qualified borrowers business loans up to $10,000 for their business needs. 



To be considered for a loan from the Peterborough CFDC, you must:

  • be planning to locate, start or expand business operations in the City or County of Peterborough
  • have reasonable security
  • have a solid credit history
  • have a business number


Loan Application Process: 

Complete applications (application form, cash flow and business plan), along with the application fee ($50) must be received by the first Tuesday of the month. 

Your application will be reviewed by a Loans Officer who will present it to our Board of Directors on the third Tuesday of every month. A decision is made on your application at this meeting and you will be contacted by a Loans Officer with the next steps.


Business Start Up or Expansion Loan Application (up to $150,000)

Business Improvement Loan Application (up to $7500 at 0%) 

Please also complete a Cash Flow Statement to include with your Loan Application:

Cash Flow Statement

If you can't edit Microsoft Word or Excel files, please call us and we would be happy to email you a different format.

Did You Know?

There are 269 CFDC offices across Canada -  61 in Ontario. We are all community-based, not-for-profit organizations. All CFDC financing decisions are made at the community level by the local boards of directors who are familiar with their communities' needs, concerns and future development priorities.